| Schedule of actual capital ratios and the minimum ratios required for capital adequacy purposes and to be well capitalized under the prompt corrective action provisions |
| | | | | | | | | | | | | | | | | | | | | June 30, 2026 | | | | | | | | | | | | | | | | Minimum to be Well | | | | | | | | | | | | | | | | Capitalized under | | | | | | | | | | Minimum For Capital | | | Prompt Corrective | | | | Actual | | | Adequacy Purposes | | | Action Provisions | | (Dollars in thousands, except percents) | | Amount | | Ratio | | | Amount | | Ratio | | | Amount | | Ratio | | Common equity Tier 1 capital to risk-weighted assets: | | | | | | | | | | | | | | | | | | | Company | | $ | 461,224 | | 10.87 | % | | $ | 190,871 | | 4.50 | % | | | NA | | NA | | Bank | | | 540,099 | | 12.75 | | | | 190,569 | | 4.50 | | | $ | 275,266 | | 6.50 | % | Tier 1 capital to risk-weighted assets: | | | | | | | | | | | | | | | | | | | Company | | | 471,224 | | 11.10 | | | | 254,495 | | 6.00 | | | | NA | | NA | | Bank | | | 540,099 | | 12.75 | | | | 254,092 | | 6.00 | | | | 338,790 | | 8.00 | | Total capital to risk-weighted assets: | | | | | | | | | | | | | | | | | | | Company | | | 596,721 | | 14.06 | | | | 339,327 | | 8.00 | | | | NA | | NA | | Bank | | | 582,204 | | 13.74 | | | | 338,790 | | 8.00 | | | | 423,487 | | 10.00 | | Tier 1 capital to average assets: | | | | | | | | | | | | | | | | | | | Company | | | 471,224 | | 9.11 | | | | 206,912 | | 4.00 | | | | NA | | NA | | Bank | | | 540,099 | | 10.46 | | | | 206,593 | | 4.00 | | | | 258,241 | | 5.00 | | NA = not applicable | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | December 31, 2025 | | | | | | | | | | | | | | | | Minimum to be Well | | | | | | | | | | | | | | | | Capitalized under | | | | | | | | | | Minimum For Capital | | | Prompt Corrective | | | | Actual | | | Adequacy Purposes | | | Action Provisions | | (Dollars in thousands, except percents) | | Amount | | Ratio | | | Amount | | Ratio | | | Amount | | Ratio | | Common equity Tier 1 capital to risk-weighted assets: | | | | | | | | | | | | | | | | | | | Company | | $ | 440,852 | | 11.03 | % | | $ | 179,784 | | 4.50 | % | | | NA | | NA | | Bank | | | 520,587 | | 13.06 | | | | 179,427 | | 4.50 | | | $ | 259,172 | | 6.50 | % | Tier 1 capital to risk-weighted assets: | | | | | | | | | | | | | | | | | | | Company | | | 450,852 | | 11.28 | | | | 239,712 | | 6.00 | | | | NA | | NA | | Bank | | | 520,587 | | 13.06 | | | | 239,236 | | 6.00 | | | | 318,981 | | 8.00 | | Total capital to risk-weighted assets: | | | | | | | | | | | | | | | | | | | Company | | | 571,887 | | 14.31 | | | | 319,617 | | 8.00 | | | | NA | | NA | | Bank | | | 558,435 | | 14.01 | | | | 318,981 | | 8.00 | | | | 398,726 | | 10.00 | | Tier 1 capital to average assets: | | | | | | | | | | | | | | | | | | | Company | | | 450,852 | | 8.84 | | | | 204,039 | | 4.00 | | | | NA | | NA | | Bank | | | 520,587 | | 10.22 | | | | 203,726 | | 4.00 | | | | 254,658 | | 5.00 | | NA = not applicable | | | | | | | | | | | | | | | | | | |
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